---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-23-007060"
form_type: "8-K"
ticker: "HCI"
cik: "0001400810"
company_name: "HCI Group, Inc."
filed_at: "2023-03-09T23:59:59+00:00"
generated_at: "2026-06-18T06:50:21.406556+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# HCI Group Q4 net income $2.7M; full-year net loss of $54.6M on Hurricane Ian

## Summary
- Q4 2022 diluted EPS $0.18 vs $0.01 in Q4 2021; adjusted diluted EPS $0.06 vs ($0.14).
- Full-year 2022 net loss per share $6.24; adjusted loss per share $5.48.
- Gross premiums earned Q4 $183M (+16.6% YoY); gross loss ratio improved to 39.4%.
- Florida tort reform cited as positive for future market; Hurricane Ian drove FY loss.
- Net investment income Q4 $7.4M, up from $2.6M, on higher interest rates.

## SEC filing metadata
- accession: 0000950170-23-007060
- form_type: 8-K
- ticker: HCI
- cik: 0001400810
- company_name: HCI Group, Inc.
- filed_at: 2023-03-09T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1400810/000095017023007060/0000950170-23-007060-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1400810/000095017023007060/hci-20230309.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-007060
- JSON: https://secwatch.observer/filing/0000950170-23-007060.json
- Plain text: https://secwatch.observer/filing/0000950170-23-007060.txt

## Key facts
- Earnings Releases
  HCI Group, Inc. reported the year ended December 31, 2022 results: net income net loss of $54.6 million, EPS $6.24 loss per share.
  - Period: the year ended December 31, 2022
  - Net income: net loss of $54.6 million
  - EPS: $6.24 loss per share
  - Result: reported results
  source text: For the year ended December 31, 2022, the company reported a net loss of $54.6 million, or $6.24 loss per share
  evidence_url: https://www.sec.gov/Archives/edgar/data/1400810/000095017023007060/0000950170-23-007060-index.htm
- Earnings Releases
  HCI Group, Inc. reported the fourth quarter ended December 31, 2022 results: net income net income of $2.7 million, EPS $0.18 diluted earnings per share.
  - Period: the fourth quarter ended December 31, 2022
  - Net income: net income of $2.7 million
  - EPS: $0.18 diluted earnings per share
  - Result: reported results
  source text: On March 9, 2023, we released our earnings for the fourth quarter and full year ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1400810/000095017023007060/0000950170-23-007060-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.